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ZELLE Person to Person Transfer ServiceUser Agreement AddendumEFFECTIVE March 8th, 2022To the Discover Account Center (Banking) AgreementThis Zelle Network Service User Agreement Addendum (“Zelle Agreement”) contains the terms and conditions for the use of the Zelle Person-toPerson Payment Service accessible through the Discover Account Center (“Service” or “Zelle P2P Service”) that Discover may provide to you.This Zelle Agreement amends and becomes part of the Discover Account Center (Banking) Agreement (“Account Center Agreement”). In theevent of a conflict between the terms and conditions of this Zelle Agreement and those in the Account Center Agreement, the terms andconditions of this Zelle Agreement will control for the Zelle P2P Service only. Your use of this Service is and will be subject to this ZelleAgreement, the Account Center Agreement, and the Deposit Account Agreement, together with any other disclosures provided in connectionwith the Service or your Eligible Accounts. (The Account Center Agreement and the Deposit Account Agreement are collectively referred to as“Other Agreements.”)1. Definitions:a. “Business Days” are Monday through Friday, excluding Federal Reserve Bank holidays;b. “Discover”, “us,” or “we” means Discover Bank and/or its affiliates;c. “Eligible Account” means an individual or jointly owned Cashback Debit, Personal Checking, Money Market, Online Savings, orStatement Savings Account maintained at Discover;d. “Enrolled Account” means an Eligible Account(s) that you have registered with and verified through the Service;e. “Send From Account” means the Enrolled Account that you have designated to fund your Zelle transfers to other Users;f. “Send To Account” means the Enrolled Account that you have designated to receive money from Zelle Transfers from otherUsers;g. “Participating Bank” means a financial institution located in the United States that participates with Zelle to enable its customersto use the Zelle P2P Service;h. “User” means a person who is enrolled directly with Zelle or enrolled with a Participating Bank to use the Zelle Person to PersonService or another Zelle service;i. “You,” “your,” and “Accountholder” means to each individual or entity in whose name an Eligible Account is held or who hasauthority to operate the Account, as well as, any permitted assignee or successor in interest to the Eligible Account;j. “Zelle” means the group of services provided by Early Warning Services, a digital payments network and company, through theZelle Network;k. “Zelle Network” means the collection of systems, rules, standards, procedures, and technical means owned or managed by theZelle network operator that enables the interchange of messages and network transactions. It does not include the collection ofsystems and technical means owned or managed by Discover, another Participating Bank, or another network that allow it tocommunicate with the Zelle Network;l. “Zelle Person to Person Service” or “Zelle P2P Service” means the Zelle Person-to-Person Payments Service through the ZelleNetwork that enables transfers between Users.2. Acceptance/Use Of The Service And AmendmentsWhen you enroll in or use the Service, or when you permit others to whom you have delegated to act on your behalf to use or access theService, you agree to the terms and conditions of this Zelle Agreement. The Zelle Agreement and the features within the Service are subject tochange from time-to–time. We will notify you of changes in accordance with the terms of the Account Center Agreement, and your continueduse of the Service after such notice indicates your acceptance of and agreement to any future changes.3.Description of ServicesWe participate in the Zelle Network to provide a convenient way to transfer money between you and other Users, using identifiers, such as emailaddresses or mobile phone numbers.Once enrolled in the Service, you may:a. authorize a debit from your Send From Accou ion, or aZelle transfer has been sent from your Account without your permission, by calling us at 1-800-347-7000, or by writing us at Discover Bank,PO Box 30411, Salt Lake City, UT 84130- 0411. Telephoning is the best way of keeping your possible losses down. Also, if your statementshows Zelle transfers that you did not make or authorize someone else to make, tell us AT ONCE. If you do not tell us within 120 days startingwith the transaction date at issue, you may not get back any of the money you lost after the 120 days if we can prove that we could havestopped someone from taking the money if you had told us in time. If a good reason, such as a long trip or a hospital stay, kept you fromtelling us, we will extend the time periods for a reasonable amount of time.20. Our Liability for Failure to Make Zelle TransfersIf we do not complete a transfer to or from your Enrolled Account on time or in the correct amount according to our agreement with you,we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:a. If, through no fault of ours, there are insufficient available funds in your Send From Account to make the transfer;b. If you have not provided us with complete and accurate information to send the transfer, including but not limited to the accountnumber(s) for your Send To and Send From Accounts, the email address or mobile phone number of the recipient which is enrolled withthe
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